“I was starting to make bank for the first time,” Ramsey said of his own investing journey. “And I’m like, I need to be doing double backflip limited family partnerships or some kind of crap I don’t even know what they are — but I probably ought to be doing one if I’m making this kind of money.”

But after talking to wealthy people who had actually done it, he realized the common thread wasn’t an asset class. It was confidence in what they understood.

Ramsey’s example of primitive investing echoed another strategy he heard firsthand — a man who simply drew a 30-mile radius around the edge of a growing city and bought land there. “And then I wait 20 years,” the man said. That was the whole plan.

See Also: Why Billionaires Like Warren Buffett Prefer Real Assets Over Speculation—Institutional Real Estate Is Now Accessible to Individuals

Not everyone has access to land, but the principle holds. If someone understands real estate but doesn’t want the responsibilities of property management, platforms like Arrived let them invest in rental homes with as little as $100. The appeal isn’t leverage or flash. It’s knowing what you own — and why.

For Ramsey, the danger comes when people abandon their own instincts and defer to hype or outside pressure. “You’re trusting some guy who doesn’t have any money who’s trying to sell you something,” he said in the interview.

Even Ramsey, who made much of his fortune through real estate, says the point isn’t the vehicle — it’s the alignment between money and understanding. That’s what allows wealth to grow over time without constantly chasing the next big thing.

Ramsey said that getting rich isn’t about what sounds smart. It’s about what feels clear, repeatable, and real.

Primitive, he argued, isn’t the opposite of wealth. It’s often how it starts.

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Building a resilient portfolio means thinking beyond a single asset or market trend. Economic cycles shift, sectors rise and fall, and no one investment performs well in every environment. That’s why many investors look to diversify with platforms that provide access to real estate, fixed-income opportunities, professional financial guidance, precious metals, and even self-directed retirement accounts. By spreading exposure across multiple asset classes, it becomes easier to manage risk, capture steady returns, and create long-term wealth that isn’t tied to the fortunes of just one company or industry.

Fundrise

Fundrise has over a decade of experience managing billions in private markets for hundreds of thousands of clients. Their venture capital offering lets individual investors gain exposure to private technology companies with low minimums, diversified holdings, and a long-term focus on growth before public markets. For investors looking to expand beyond stocks and bonds, Fundrise provides a simple way to diversify into private tech ventures starting with just $10.

Rad AI

Rad AI’s award-winning artificial intelligence technology helps transform data chaos into actionable insights, enabling the creation of high-performing content with measurable ROI. Their Regulation A+ offering allows investors to participate at $0.85 per share with a minimum investment of $1,000, providing an opportunity to diversify portfolios into early-stage AI innovation. For investors seeking exposure to the rapidly growing AI and tech sector, Rad AI offers a chance to get in on the ground floor of a data-driven growth story.

Arrived

Backed by Jeff Bezos, Arrived Homes makes real estate investing accessible with a low barrier to entry. Investors can buy fractional shares of single-family rentals and vacation homes starting with as little as $100. This allows everyday investors to diversify into real estate, collect rental income, and build long-term wealth without needing to manage properties directly.

EnergyX

As demand for electric vehicles and energy storage grows, lithium has become a key driver of the clean energy transition — and an asset class many investors haven’t tapped. EnergyX’s Lithium Ion Transport and Separation (LiTAS) technology offers a “brine to battery” solution, providing early-stage investors a way to gain exposure to lithium production and the energy sector. With investments starting at $1,000, EnergyX allows investors to diversify beyond traditional stocks and bonds into a fast-growing segment of the green economy.

Lightstone

Lightstone DIRECT gives accredited investors direct access to institutional-grade real estate, going beyond typical crowdfunding platforms. By cutting out middlemen, it aligns investor and manager interests while providing exposure to a $12B+ portfolio spanning multifamily, industrial, hospitality, retail, office, and life science properties. This approach allows investors to diversify their portfolios across multiple property types and markets, gaining professional-grade real estate exposure without the fees or misalignment common on other platforms.

Domain

Domain Money helps professionals and households earning $100,000+ take control of their finances with personalized, CFP professional-led guidance. By offering tailored financial planning, Domain empowers users to make smarter, more confident decisions across investments, retirement, taxes, and overall wealth strategy.

Gameflip

Gameflip is a next-generation marketplace where users buy, sell, and “flip” digital gaming items. Backed by Silicon Valley VCs, PayPal, and a visionary EA co-founder, the platform has over $200 million in lifetime sales and a community of 7.4 million users. For investors looking to diversify into early-stage startups and the growing gaming economy, Gameflip offers exposure to a high-growth digital market beyond traditional investments.

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This article Dave Ramsey Says The Rich Aren't 'Sophisticated' With Investing — They're Just 'Very Primitive' And Buy Land. 'They Got Dirt, Man. That's It' originally appeared on Benzinga.com

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